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Wellington Partners Insurance Services

Business Owners Policy
(BOP) Insurance.

Comprehensive protection for California small businesses. A Business Owners Policy combines commercial property insurance, general liability insurance, and business interruption coverage into one cost-effective program — structured by an independent California commercial insurance broker, not pulled off a carrier shelf.

Small business cafe storefront Shop owner serving a customer at the counter Stocked aisles of a neighborhood market
BOP Insurance California

What Does a Business Owners Policy Cover?

Instead of purchasing multiple policies separately, a BOP bundles the essential protections that keep a California small business operating after an unexpected loss.

Commercial Property Coverage

Protects your building, furniture, equipment, inventory, tools, and computers from covered losses such as fire, theft, vandalism, and certain weather events.

General Liability Coverage

Protection if your business is accused of causing bodily injury, property damage, or advertising injury to a customer, vendor, or third party.

Business Income & Extra Expense

Replaces lost income and ongoing expenses if a covered loss forces your business to temporarily suspend operations — the business interruption insurance most owners overlook.

Equipment Breakdown Coverage

Covers sudden mechanical or electrical breakdowns involving HVAC systems, refrigeration, electrical panels, computers, and other critical business equipment.

Medical Payments Coverage

Pays certain medical expenses when a non-employee is injured on your premises, regardless of fault — resolving small incidents before they become claims.

Personal & Advertising Injury

Protection against allegations such as libel, slander, copyright infringement, and advertising-related claims.

Hired & Non-Owned Auto (Optional)

Helps protect your business when employees use rented, leased, or personal vehicles for company business.

Get My BOP Quote

Industries We Commonly Insure

Wellington Partners Insurance Services structures California Business Owners Policy coverage for a wide range of small business operations, including:

  • Contractors
  • Property Owners & Lessors
  • Retail Stores
  • Restaurants & Cafes
  • Professional Offices
  • Janitorial Companies
  • Artisan Trades
  • Service Businesses
  • Wholesale Operations
  • Light Manufacturing

Who Qualifies for a Business Owners Policy?

Business Owners Policies are generally designed for small to midsize businesses with relatively straightforward operations. Many California businesses qualify if they:

  • Have fewer than 100 employees
  • Operate from an office, storefront, or commercial building
  • Maintain modest property values
  • Have annual revenues within carrier guidelines

Eligibility requirements vary by carrier and industry. If your operations have outgrown BOP eligibility, we can structure the same protection through a commercial package policy — request a quote and we'll recommend the right approach.

Why Choose Wellington Partners Insurance Services?

Unlike captive insurance companies that only offer one carrier's products, Wellington Partners Insurance Services is an independent California commercial insurance broker working with multiple commercial insurance markets to identify the best combination of coverage, pricing, and carrier strength for your small business insurance program.

Our team evaluates:

  • Business operations and exposures
  • Property values and assets
  • Annual revenue and payroll
  • Claims history
  • Contractual insurance requirements
  • Future growth plans

This allows us to build a customized insurance program that protects your business today while supporting long-term growth.

What Sets Us Apart

  • Access to multiple A-rated insurance carriers
  • Dedicated commercial insurance specialists
  • Fast quote turnaround times
  • Competitive pricing across California markets
  • Personalized risk management guidance
  • Ongoing policy reviews and support

Every business faces unique risks. Our team will review your operations and provide a competitive Business Owners Policy quote with options from multiple insurance carriers — start your quote or call (818) 492-4355.

Get a Business Owners Policy Quote

Protect your property, income, and reputation with a customized Business Owners Policy from Wellington Partners Insurance Services. Call (818) 492-4355 or request a quote today.

Request a Quote
Wellington Partners Insurance Services — Independent California Commercial Insurance Brokerage since 2009
(818) 492-4355 Get a Quote